Best Life Insurance in Columbus, OH (November 2024)


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For women in Columbus, Ohio, the best life insurance provider is Protective with a MoneyGeek score of 92 and an average monthly premium of $23. For men, the top provider is Mutual of Omaha with a MoneyGeek score of 91 and a monthly premium of $32.

Different factors should be considered when deciding on what type of life insurance to buy. These scores and premium costs are based on a 20-year term policy and $500,000 coverage. Your unique needs may mean a different company is best for you.

Why Trust MoneyGeek? We analyzed 1,488 life insurance quotes alongside customer satisfaction, financial stability reports, product offerings and more to determine the best life insurance companies in Columbus, Ohio.

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Coverage costs and company information for life insurance providers were updated in October 2024.

1,488Quotes Analyzed
 
14Companies Compared
 
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MoneyGeek Logo IconBestLife InsuranceColumbus, OH
2024

Best Life Insurance Companies in Columbus

Overall Best Life Insurance in Columbus, OH

How was this MoneyGeek score calculated?

Protective is the top provider for women in Columbus, with a MoneyGeek score of 92 out of 100 at $23 per month. For men, Mutual of Omaha leads with a MoneyGeek score of 91 out of 100 at $32 per month. Here are the top two providers for both men and women:

Top providers for men:

  • Mutual of Omaha: MoneyGeek score of 91 out of 100 at $32 per month for men
  • Protective: MoneyGeek score of 91 out of 100 at $33 per month for men

Top providers for women:

  • Protective: MoneyGeek score of 92 out of 100 at $23 per month for women
  • Mutual of Omaha: MoneyGeek score of 90 out of 100 at $29 per month for women

Mutual of Omaha offers strong financial stability and customer satisfaction, making it a reliable choice for men seeking life insurance in Columbus. Protective, with its competitive premium and high MoneyGeek score, stands out for women.

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MoneyGeek Top Pick
Mutual of Omaha

In Columbus, Protective stands out as the top life insurance provider for women, with a MoneyGeek score of 92 and an affordable monthly premium of $23. Mutual of Omaha holds the top spot for men, boasting a score of 91 and a monthly premium of $32. Both companies strongly commit to customer satisfaction and financial stability, ensuring reliable coverage for policyholders. Here are the pros and cons for each company based on MoneyGeek's criteria:

Protective

Pros:

  • High customer satisfaction
  • Excellent affordability
  • Diverse product offerings

Cons:

  • Buying process could improve

Mutual of Omaha

Pros:

  • High customer satisfaction
  • Good affordability

Cons:

  • Buying process could improve
  • Product diversity is moderate

Best Term Life Insurance in Columbus, OH

How was this MoneyGeek score calculated?

In Columbus, Mutual of Omaha and Protective stand out as the leading providers for the best term life insurance for men and women, respectively. Mutual of Omaha boasts a MoneyGeek score of 92 at $14 per month for men, while Protective leads for women with a score of 92 at $12 per month. These scores reflect a robust combination of customer satisfaction and affordability. The top companies for Columbus residents are as follows:

The top two term life insurance companies for men are:

  • Mutual of Omaha: MoneyGeek score of 92 out of 100 at $14 per month for men
  • Protective: MoneyGeek score of 91 out of 100 at $15 per month for men

For women, the top two are:

  • Protective: MoneyGeek score of 92 out of 100 at $12 per month for women
  • Mutual of Omaha: MoneyGeek score of 90 out of 100 at $13 per month for women

Term life insurance offers a death benefit over a specified term, making it a straightforward and often more affordable option than whole life insurance. For instance, a young professional might choose term life insurance to ensure financial support for their family during their working years without the commitment to a lifelong policy.

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MoneyGeek Top Pick
Mutual of Omaha

Mutual of Omaha stands out as the best term life insurance provider in Columbus for men, boasting a MoneyGeek score of 92. With an average monthly premium of $14, it offers a balance of cost and quality coverage. Men seeking reliable term life insurance need look no further for a financially stable option with high customer satisfaction.

Pros:

  • High customer satisfaction
  • Excellent affordability
  • Strong financial stability

Cons:

  • Buying process could improve
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MoneyGeek Top Pick
Protective

Protective stands out as the best term life insurance provider for women in Columbus, with a MoneyGeek score of 92. The company offers an average monthly premium at an affordable $12, making it a financially wise choice for term life insurance seekers. Women can benefit from Protective's commitment to customer satisfaction and financial stability, ensuring peace of mind in their insurance choice. Here are the specific advantages and disadvantages to consider for Protective:

Pros:

  • High customer satisfaction
  • Affordable premiums
  • Financially stable

Cons:

  • Buying process could improve
  • More product variety needed

Best Whole Life Insurance in Columbus, OH

How was this MoneyGeek score calculated?

The Protective company stands out as the provider of the best whole life insurance in Columbus, with a MoneyGeek score of 92 for both men and women. This score reflects a combination of affordability, customer satisfaction, and financial stability, making Protective an excellent choice for individuals seeking reliable and comprehensive life insurance coverage. Here are the top performers for each category:

Top whole life companies for men in Columbus:

  • Protective: MoneyGeek score of 92 out of 100 for men
  • Mutual of Omaha: MoneyGeek score of 91 out of 100 for men

Top whole life companies for women in Columbus:

  • Protective: MoneyGeek score of 92 out of 100 for women
  • Mutual of Omaha: MoneyGeek score of 91 out of 100 for women

Whole life insurance provides lifelong coverage and a cash value component, which can be an attractive option for those seeking a stable and long-term investment. For example, someone looking to leave a financial legacy for their beneficiaries might choose whole life over term life insurance.

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MoneyGeek Top Pick
Protective

Protective emerges as the top choice for whole life insurance in Columbus, with a MoneyGeek score of 92 for both men and women. This score reflects the company's commitment to customer satisfaction and financial stability.

Pros:

  • High customer satisfaction
  • Strong financial stability

Cons:

  • Limited product diversity
  • Buying process could improve

Compare Life Insurance Rates

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Best Universal Life Insurance in Columbus, OH

How was this MoneyGeek score calculated?

In Columbus, Protective stands out as the provider with the best universal life insurance for both men and women, boasting a MoneyGeek score of 91. This score reflects a strong balance of affordability, customer satisfaction and financial stability, making Protective an excellent choice for individuals seeking a dependable insurance product. Here are the top-performing companies in Columbus, according to MoneyGeek scores:

Best universal life insurance for men:

  • Protective: MoneyGeek score of 91 out of 100 for men
  • Mutual of Omaha: MoneyGeek score of 90 out of 100 for men

Best universal life insurance for women:

  • Protective: MoneyGeek score of 91 out of 100 for women
  • Mutual of Omaha: MoneyGeek score of 90 out of 100 for women

Universal life insurance offers flexibility in premiums and death benefits, which can be appealing for those who desire long-term financial planning and the potential for cash value growth. For instance, a young professional might choose the best universal life insurance to secure a low-cost premium with the option to adjust coverage as their financial situation evolves over time.

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MoneyGeek Top Pick
Protective

In Columbus, Protective emerges as the standout provider for the best universal life insurance for both men and women, boasting a MoneyGeek Score of 91 for each. Recognized for its exceptional service, Protective ensures that customers' needs are met with a high degree of satisfaction and stability.

Pros:

  • High customer satisfaction
  • Strong financial stability
  • Excellent affordability for women

Cons:

  • Buying process could improve

Best No-Medical-Exam Life Insurance in Columbus, OH

How was this MoneyGeek score calculated?

In Columbus, Protective offers the best life insurance without a medical exam for both men and women, with a MoneyGeek score of 91. This score indicates a robust offering that combines affordability, customer satisfaction and financial stability, making it an excellent choice for the average individual in the market for this type of insurance policy. The top MoneyGeek scores for this insurance are:

Best no-medical-exam life insurance for men:

  • Protective: MoneyGeek score of 91 out of 100 for men
  • Mutual of Omaha: MoneyGeek score of 90 out of 100 for men

Best life insurance for women that does not require a medical exam:

  • Protective: MoneyGeek score of 91 out of 100 for women
  • Mutual of Omaha: MoneyGeek score of 90 out of 100 for women

This type of life insurance does not require a medical examination for approval, offering a quicker and more convenient option for coverage. For instance, someone with a busy schedule or a dislike of medical appointments might choose this insurance to ensure they are covered without worrying about a traditional health assessment.

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MoneyGeek Top Pick
Protective

Protective emerges as the leading provider of no-medical-exam life insurance in Columbus for both men and women, boasting a MoneyGeek score of 91. Recognized for its high customer satisfaction and affordability, Protective stands out in the market.

Pros:

  • High customer satisfaction
  • Strong affordability
  • Solid financial stability

Cons:

  • Buying process could improve

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Best Term Life Insurance for Seniors in Columbus, OH

How was this MoneyGeek score calculated?

In Columbus, Mutual of Omaha stands out for men seeking the best term life insurance for seniors, with a MoneyGeek Score of 92 and an average monthly premium of $56. For women, Protective leads with a score of 92 and a monthly premium of $50.

Premiums for life insurance typically rise with age due to the increased risk insurers face. A higher MoneyGeek score reflects a company's strong performance across several metrics, indicating that Mutual of Omaha and Protective offer reliable value and customer satisfaction for their respective demographics.

Best Term Life Insurance for Seniors in Columbus
Data filtered by:Results filtered by:
gender:
gender:M
1Mutual of Omaha$5692
2Protective$6591
3Nationwide$5591
4Transamerica$6587
5Prudential$6786
6Allstate$8385
7AAA$9385
8State Farm$9885
9Haven$10382

Best Term Life Insurance for Smokers in Columbus, OH

How was this MoneyGeek score calculated?

For both men and women seeking the best term life insurance for smokers in Columbus, Mutual of Omaha stands out with a MoneyGeek score of 91 and an average monthly premium of $30 for men, and a score of 89 with a $28 premium for women. Smoking is a significant factor in determining life insurance premiums due to the associated health risks, leading to higher costs for smokers.

A high MoneyGeek score like Mutual of Omaha's indicates a strong balance of affordability, customer satisfaction, and financial stability. This score is particularly relevant for smokers, who may face higher premiums, as it suggests a more favorable cost-to-value ratio.

Best Term Life Insurance for Smokers in Columbus
Data filtered by:Results filtered by:
gender:
gender:M
1Mutual of Omaha$3091
2Allstate$2789
3Nationwide$3689
4Transamerica$2688
5Protective$4488
6Prudential$3087
7State Farm$4286
8AAA$5585
9Haven$5383

Best Term Life Insurance for Young Adults in Columbus, OH

How was this MoneyGeek score calculated?

For the best term life insurance for young adults in Columbus, Mutual of Omaha stands out for men with a MoneyGeek score of 92 and an average monthly premium of $9. For women, Protective leads with a MoneyGeek score of 92 and a monthly premium of $7. Age is a crucial factor in determining life insurance premiums, with younger individuals typically enjoying lower rates.

This is because younger adults are generally healthier and pose a lower risk to insurers. Mutual of Omaha and Protective both excel in affordability, customer satisfaction, and financial stability, contributing to their high MoneyGeek scores. If you're looking for the best term life insurance for young adults in Columbus, these companies offer excellent options based on comprehensive evaluations.

Best Term Life Insurance for Young Adults in Columbus
Data filtered by:Results filtered by:
Sex:
Sex:M
1Mutual of Omaha$992
2Protective$992
3Nationwide$1090
4AAA$1488
5Transamerica$1088
6Allstate$1586
7State Farm$1686
8Haven$1186
9Prudential$1386
10Bestow$2783

Best Cheap Term Life Insurance in Columbus, OH

How was this MoneyGeek score calculated?

For those seeking the best cheap term life insurance in Columbus, Mutual of Omaha stands out for men with a MoneyGeek score of 92 and an average monthly premium of $14, while Protective tops the list for women with a MoneyGeek score of 92 and a monthly premium of $12. Various factors impact life insurance premiums, including age, health and coverage amount.

To get the lowest premiums, maintain a healthy lifestyle, avoid tobacco, and choose the right coverage amount. Mutual of Omaha and Protective are excellent choices for anyone looking for the best cheap term life insurance in Columbus.

Best Cheap Term Life Insurance in Columbus
Data filtered by:Results filtered by:
Sex:
Sex:M
1Mutual of Omaha$1492
2Nationwide$1592
3Protective$1591
4Transamerica$1689
5Prudential$2085
6Allstate$2485
7Haven$2084
8AAA$2384
9State Farm$2682

Average Cost of Term Life Insurance in Columbus, OH

The average monthly cost of term life insurance in Columbus is $29 for men and $24 for women. Many factors influence life insurance premiums. These include age, health, lifestyle, occupation, the amount of coverage and the length of the term. Insurers assess these factors to determine the risk associated with providing coverage.

Life insurance costs in Columbus may differ from the rest of Ohio due to various local factors. Health trends, economic conditions, and specific risk factors unique to the area can impact premium costs. Additionally, competition among insurers in Columbus can affect pricing, leading to variations compared to other regions in the state.

FAQ About Life Insurance in Columbus, OH

What company has the best life insurance in Columbus for men?
What is the monthly premium cost for the best life insurance for men in Columbus?
What company has the best life insurance in Columbus for women?
What is the monthly premium cost for the best life insurance for women in Columbus?
Is there anything different about life insurance in Columbus compared to the rest of Ohio?
What happens to your life insurance if a company goes bankrupt in Columbus?
Why might Columbus residents need life insurance?
How do you find a lost life insurance policy in Columbus?

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.


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